🏦Bank Scorer

INTERNATIONAL BANK OF COMMERCE

LAREDO, TX · Supervised by FDIC

Est. 1966FDIC #19,629RSSD: FDIC-19629
Part ofINTERNATIONAL BANCSHARES CORP→ View all charters
Satisfactory Down

Current rating · Exam: January 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.80%

Institution Profile

FDIC BankFind

Address

1200 San Bernardo Ave, LAREDO, TX

County

Webb County

Established

September 2, 1966

Total Assets

$9.9B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 1, 2025

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jan 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$9.9B

Total Deposits

$6.5B

Net Loans

$6.9B

Net Income

$69M

ROA

2.80%

ROE

13.74%

Risk-Based Capital

22.37%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

81

Branch Deposits

$6.6B

1-Year Change

0

5-year net change: -41 branches

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

13 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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